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Privacy Act & codes

Credit reporting: Consumer rights

The Credit Reporting Privacy Code contains a Summary of Rights that sets out the rights the code gives individuals. The summary explains:

who can access your credit report and on what basis

how to request a copy of your own credit report

how to dispute information on your credit report

how to complain if you think the credit reporter has breached the code.

Credit reporters must display this summary on their websites and must provide it to individuals in certain circumstances, including when responding to an individual's request for a copy of their credit report. You can also access the summary of rights in the following languages:

The code enables consumers to ask credit reporters to 'freeze' or suppress their credit file. Once the credit information is suppressed, the credit reporter must not share this with any new credit providers. This should make it more difficult for a fraudster to obtain new credit in the consumer's name, as credit providers will usually not grant new credit where they are unable to do a credit check on someone.